The financing process of your new house requires you submit several documents to the Bank.
Not all documents are requested when you apply for a loan. Some documents are needed while the loan is being formalised and others while we are drafting your deed.
Now, with the new Public Service of Certificates from the Directorate-General of Registry and Notary Services, you might find it convenient to request the Abstract of Title of your new house online.
Documents required to formalise the Loan
| Personal Documents (*) |
Where to get them |
|---|
| Copies of ID and taxpayer cards for all applicants |
Client |
| Last tax return and respective tax bill (if applicable) |
Client |
| Copy of last 3 payslips (**) |
Client |
| Statement from your employer stating date of admission and contractual relation (**) |
Employer |
(*) Documents also to be submitted by Guarantors, if there are any.
(**) When requested by the Bank.
Note 1 - Mortgage Loan application form and respective Insurance proposals are simple to fill out at your branch.
Note 2 - The Bank may request additional documents if necessary.
| Property Documents |
Where to get them |
|---|
| Location Plan (if there is one) |
Seller/Town Hall |
| Copy of Legal Description or "Modelo 1" (Form 1) |
Seller/Tax Office |
| Building or apartment plan, preferably at 1/50 or 1/100 scale |
Seller/Town Hall |
Note: The Bank may request additional documents if necessary.
Specific documents per purpose
| Document |
Where to get them |
|---|
Up-to-date "Caderneta Predial" (Legal Description) or "Modelo 1" (Form 1) or
"Certidão de Teor Matricial" (Cadastral Certificate) |
Tax Office |
| "Certidão da Descrição Predial" (Property Description Certificate) |
Commercial Registration Office |
Original or certified copy of the "Licença de Habitação ou Utilização" (Housing or Usage License)
- not required if building was erected before 1951 |
Seller/Town Hall |
| Cancellation Certificate of preceding mortgages (if there are any) |
Seller/Client/ Other Credit Institution |
| Mortgage Savings Account Statement (if there is one) |
Credit Institution where the Client holds the account |
| Payment statement of IMT (Municipal Property Transfer Tax) |
Tax Office |
Note: The Bank may request additional documents if necessary.
Other additional documents
| For a Low or No Down Payment Loan |
Where to go |
|---|
| Copy of Offer to Purchase agreement |
Seller/Client |
| Low or No Down Payment Loan Agreement |
Bank |
| For a Loan for Disabled |
Where to go |
|---|
Disability statement or Disabled from Armed Forces card. Multi-purpose certificates may also be used to purchase an owner-occupied dwelling |
Health Regional Delegate of your area of residence |
02.002.4173 2011/10/10
